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  • Elmārs Prikšāns “The biggest challenge – reaching more rapid economic growth” | Pohjola Bank
    required We are also well aware of the fact that substantial changes will not be possible if no changes take place in the fields of education and demography It is also important for the growth to be comprehensive The progress has to take place in different fields there has to be synergy between fields that are correlated An overall upswing cannot be ensured by a breakthrough in just one field Stephan Oldfield representative of PricewaterhouseCoopers from the United Kingdom underlined that one of the main preconditions for success in business is the selection of a proficient strategy paying attention to business sustainability The business environment has changed substantially over time and it keeps on changing Everything happens faster in the world The market is global That is why it is important to create strategies for a period of at least three to five years and they have to be facilitated by efficient short term tactical solutions that provide the possibility of adapting to the current situation as much as possible S Oldfield pointed out Kim Møller Chairman of the Board at Oxford Group and Oxford Leadership partner from Denmark also emphasised that the keys to success in modern day business are uniqueness innovations and the ability to be different Nowadays it is becoming more and more important for business managers to be able to sense react and adapt to changes The new business environment makes it necessary to not only plan the work that has to be done but also specifically define the things that do not have to be done It is essential in order not to spend resources on processes that we can manage without and that make it harder for us to be efficient A modern day person does not have to work all the time and without stopping in order to ensure higher work productiveness and carry out more work A lot is determined by unique and original solutions Morten Hansen representative of the Stockholm School of Economics in Riga underlined that the critical aspects for the existence development and competitiveness of Latvian companies are demography education and migration One has to objectively acknowledge that Latvia has gotten into a sort of a vicious circle Looking from the European perspective the wages in Latvia are low Low wages facilitate emigration as well as the further worsening of the demographic situation A drain of qualified manpower takes place thus delaying the increase of the state s competitiveness That is why we find ourselves were we have already been before the wages in Latvia cannot become higher and closer to those present in a number of other European countries M Hansen indicated that the best solution for Latvia to get out of this vicious circle would be to facilitate manpower that is well educated conforms to the requirements of the labour market and is orientated towards more rapid economic growth M Hansen also mentioned the fact that none of the universities of our country have been able to

    Original URL path: https://www.pohjola.lv/en/elmars-priksans-%E2%80%9Cthe-biggest-challenge-%E2%80%93-reaching-more-rapid-economic-growth%E2%80%9D?font=1 (2016-02-18)
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  • News | Pohjola Bank
    University of Latvia is open 16 09 2015 Pohjola Bank signs a loan agreement for EUR 9 6 million with Riga Technical University 14 09 2015 File import and export in Netbank only ISO format will be available starting from 01 01 2016 14 08 2015 OP Financial Group which operates in Latvia and includes Pohjola Bank recognised by Bloomberg Markets as the strongest financial group in Europe 30 06 2015 Electronics Centre financed by Pohjola Bank plc opens in Ventspils 05 05 2015 Pohjola Group performance for January March 2015 19 12 2014 New XML message formats ISO 20022 available in NetBank as of 01 01 2015 02 12 2014 About the amendments to the Bank s Terms and Conditions and the Price List 21 11 2014 Pohjola Bank plc sponsors annual Business forecast conference 2015 organized by Dienas bizness 19 11 2014 Financing from Pohjola Bank plc allows Riga International Airport to begin construction of the New Pier 11 12 2014 The agreement about an 80 million euro loan to Latvenergo for capital investment in electricity production assets and network infrastructure signed in Pohjola Bank Latvian Branch 14 11 2014 New product available to our bank customers Salary payments 04 11 2014 Pohjola Bank has won both parts of the Latvenergo procurement 06 10 2014 Capillary pipe plates for innovative heating and conditioning systems will be produced by the Ventspils Technology Centre developed with funding from Pohjola Bank 29 09 2014 The new Faculty of Power and Electrical Engineering building has opened as part of the emerging RTU a city in the city project with funding from Pohjola Bank 08 09 2014 Time Capsule Laid in the Foundations of Ventspils Electronics Centre Financed by Pohjola Bank 22 08 2014 Pohjola Bank grants a 13 million euro loan for

    Original URL path: https://www.pohjola.lv/en/news?font=1 (2016-02-18)
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  • Pohjola Bank will provide co-funding of 6.4 million euros for the construction of the 2nd stage of the Northern terminal of Riga Airport | Pohjola Bank
    terminal Currently the detailed agreement is being prepared which is to be signed by the end of the current year 6 4 million euros is the amount of the long term loan Under this loan the bank will provide 80 of the funding required for the 2nd stage of the construction of the Northern terminal of the passenger terminal The total estimated costs of the project amount to 8 million

    Original URL path: https://www.pohjola.lv/en/pohjola-bank-will-provide-co-funding-of-64-million-euros-for-the-construction-of-the-2nd-stage-of-the-northern-terminal-of-riga-airport (2016-02-18)
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  • The new price list for Pohjola Bank plc Latvia branch customers valid as of 01.02.2016 | Pohjola Bank
    plc Latvia branch customers valid as of 01 02 2016 A A A 20 11 2015 Dear Customers Please be informed about the amendments to the Price List that come into force on Febuary 01 2016 You can find the

    Original URL path: https://www.pohjola.lv/en/the-new-price-list-for-pohjola-bank-plc-latvia-branch-customers-valid-as-of-01022016 (2016-02-18)
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  • File import and export in Netbank only ISO format will be available starting from 01.01.2016 | Pohjola Bank
    above formats are developed according to ISO 20022 XML standard requirements Please be informed that so far widely used XML format FiDAViSta will be available in NetBank till 31 12 2015 We kindly ask you to pay attention to this fact if you are using file import and account statement file export Starting from 01 01 2016 only ISO 20022 XML will be availbale in our NetBank More information about

    Original URL path: https://www.pohjola.lv/en/file-import-and-export-in-netbank-only-iso-format-will-be-available-starting-from-01012016 (2016-02-18)
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  • Electronics Centre financed by Pohjola Bank plc opens in Ventspils | Pohjola Bank
    the production of electronic and electrical appliances Premises at the new Electronics Centre are being rented by several companies The largest is Ventspils elektronikas fabrika already operating at the VHTP and now planning to significantly expand its activities The company will increase the production of data routers that have seen growing demand lately Manufacturing of new products will start in the near future the Electronics Centre will produce the Latvian developed drone AirDog a dedicated aerial cameraman for sports and leisure activities that automatically follows you wherever you go which was awarded the best robot title at the CES 2015 Consumer Electronics Show in the USA The first batch of unmanned aerial vehicles produced by the Electronics Centre is planned to be ready in September There will also be several other electronics industry companies based at the Electronics Centre SIA Aspired manufacturing and sale of interactive stands SIA Oram Mobile development of tourism information systems and SIA EuroLCDs manufacturing of liquid crystal displays Aivars Lembergs the Mayor of Ventspils City and Chairman of the Board of Ventspils Free Port emphasised that the four above mentioned companies will provide jobs for at least 70 specialists which would be a significant contribution

    Original URL path: https://www.pohjola.lv/en/electronics-centre-financed-by-pohjola-bank-plc-opens-in-ventspils (2016-02-18)
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  • Pohjola Group performance for January-March 2015 | Pohjola Bank
    bases and amortisation on intangible assets arising from company acquisition Excluding the effect of transition provisions The expense target for 2012 has been adjusted to correspond to the change in the accounting policies applied as of 1 January 2015 see Note 1 Accounting policies Earnings before tax million Q1 2015 Q1 2014 Change 2014 Banking 83 83 0 303 Non Life Insurance 70 62 12 223 Other Operations 0 8 20 Wealth Management 7 6 7 38 Group total 160 159 0 584 Change in fair value reserve 99 4 79 Earnings before tax at fair value 259 163 59 663 Equity per share 10 55 9 25 10 38 Average personnel 2 483 2 593 2 563 The above figures describe Pohjola Group as a whole without the division into continuing and discontinued operations Financial targets Q1 2015 Q1 2014 Target 2014 Return on equity 15 3 16 6 13 14 3 Common Equity Tier 1 CET1 ratio 13 5 12 0 15 12 4 Operating cost income ratio by Banking 27 33 35 33 Operating combined ratio by Non life Insurance 87 2 89 3 92 84 7 Operating expense ratio by Non life Insurance 17 9 18 5 18 18 4 Non life Insurance solvency ratio under Solvency II framework 109 134 120 117 Operating cost income ratio by Wealth Management 50 51 45 42 Total expenses in 2015 at the same level as at the end of 2012 127 135 514 531 AA rating affirmed by at least two credit rating agencies or credit ratings at least at the main competitors level 2 2 2 2 Dividend payout ratio at least 50 provided that CET 1 ratio is at least 15 Dividend payout ratio is 30 until CET1 ratio of 15 has been achieved 50 30 30 Outlook towards the year end The first signs of recovery can be seen in the European economy However only modest growth is expected in 2015 despite the measures taken by the European Central Bank to support economic growth Similarly economic growth in Finland is expected to remain weak The tension in international politics will continue to cause uncertainty for the Finnish economy Weak economic growth also reduces growth expectations in the financial sector Record low interest rates will erode banks net interest income and weaken insurance institutions investment income On the other hand low interest rates improve customers loan repayment capacity which has remained stable despite the long period of slow growth The importance of profitability and capital adequacy is emphasised in an unstable operating environment and under tightening regulation Despite the challenging operating environment Pohjola Group s consolidated earnings from continuing operations before tax in 2015 are expected to be at the same level as in 2014 The most significant uncertainties affecting earnings in 2015 relate to the rate of business growth impairment loss on receivables developments in bond and capital markets the effect of large claims on claims expenditure and to the discount rate applied to insurance

    Original URL path: https://www.pohjola.lv/en/pohjola-group-performance-for-january-march-2015 (2016-02-18)
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  • New XML message formats ISO 20022 – available in NetBank as of 01.01.2015 | Pohjola Bank
    01 2015 the new formats for payment file import and account statement export are available in our Netbank The above new formats are developed according to ISO 20022 XML standard requirements More information about the new massage formats and technical requirements You can find on our Website Section NetBank available in Latvian Presently used payment import file XML format FiDAViSta shall be available in NetBank till 01 01 2016 The

    Original URL path: https://www.pohjola.lv/en/new-Xml-message-formats-iso-20022-%E2%80%93-available-in-netbank-as-of-01012015 (2016-02-18)
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archive-lv.com, 2016-12-03